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March 2024 - finance&invest.brussels

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<span class="news-detail__img" style="background-image: url('https://finance.brussels/wp-content/uploads/2024/03/record-breaking-year_2-1.jpg');"></span> </div> </div> <div class="container"> <div class="news-detail__card"> <div class="news-detail__content"> <a href="#" class="mb-s news-detail__back" onclick="history.back()">Back</a> <div class="news-detail__info"> <p class="suptitle"><span class="news-detail__category">Communiqué</span> - 13 March 2024</p> </div> <div class="wysiwyg"> <h1>44 miljoen aan bankkredieten voor Brusselse ondernemingen in 2023 dankzij finance&#038;invest.brussels</h1> <p><strong>COMMUNIQUÉ DE PRESSE</strong></p> <p class="has-cyan-bluish-gray-background-color has-background">Brussel, 13 maart 2024. <strong>2023 is een belangrijk keerpunt voor de groep finance&amp;invest.brussels.</strong> <strong>Dankzij de toekenning van bankgaranties voor een totaalbedrag van 20 miljoen euro konden 122 Brusselse ondernemingen via hun bank voor in totaal 44 miljoen euro aan beroepskredieten verkrijgen.</strong> <strong>Deze uitzonderlijke prestatie werd mogelijk gemaakt door de vereenvoudiging van het goedkeuringsproces van de garanties, waardoor de toekenning van beroepskredieten in het Brussels Gewest werd gestimuleerd.</strong> <strong>Deze inspanningen steunden bijna 840 banen in verschillende sectoren en toonden het belang aan van een doeltreffend partnerschap met de banken voor de economische ontwikkeling van het Brussels Gewest.e.</strong></p> <p>Dit historische record is des te belangrijker omdat het een einde maakt aan een geleidelijke daling die al enkele jaren in Brussel wordt waargenomen. Dit is het hoogste garantievolume sinds de oprichting van het Brussels Waarborgfonds in 1999, dat sinds 2016 wordt beheerd door finance&amp;invest.brussels. Om een orde van grootte te geven: de afgelopen vijf jaar werd er over het algemeen slechts voor €10 miljoen aan garanties toegekend, waarmee ongeveer €18 miljoen aan beroepskredieten werd gedekt.</p> <p>De reden voor deze daling? Een lang en ingewikkeld beslissingsproces. In samenwerking met Febelfin werd het proces voor het toekennen van waarborgen vereenvoudigd, geïnspireerd op de bestaande modellen in Vlaanderen en Wallonië. Sinds 1 juli 2022 kunnen banken waarborgen toekennen tot 500.000 euro. Dit vereenvoudigde en geautomatiseerde proces via een online platform heeft banken tijd en efficiëntie bespaard en de toekenning van beroepskredieten gestimuleerd. Voor bedragen boven €500.000 en tot €1,5 miljoen kan nog steeds een waarborg op aanvraag worden ingediend bij finance&amp;invest.brussels via de bank van de onderneming.</p> <p>In 2023 bewees het nieuwe systeem van finance&amp;invest.brussels zijn doeltreffendheid en nut voor de Brusselse ondernemingen en werd de neerwaartse trend omgebogen. <em>&#8220;Deze historische verandering in het landschap van de bankgaranties in Brussel toont de waarde aan van het vereenvoudigde systeem dat we hebben ingevoerd.</em> <em>Zonder onze garanties zouden veel ondernemingen hoogstwaarschijnlijk moeite hebben gehad om krediet te krijgen.</em> <em>Na een veelbelovende start in 2022 bevestigden we deze positieve trend in 2023, wat de positieve impact van onze hervorming voor het Brussels Hoofdstedelijk Gewest illustreert&#8221;</em>, zegt <strong>Pierre Hermant</strong>, CEO van finance&amp;invest.brussels.</p> <p>In 2023 werden in Brussel bijna 840 banen ondersteund dankzij deze garanties. De belangrijkste sectoren die hiervan profiteerden waren B2C-handel en -diensten (30%), hotels en restauranten (27%) en andere B2B-diensten (20%). Er was ook een aanzienlijke toename van het aantal bedrijven dat werd ondersteund bij hun overdracht.</p> <p><em>&#8220;Dit verslag bewijst dat de hervorming van de bankgarantie noodzakelijk was.</em> <em>Dankzij deze hervorming kan het Gewest, via finance&amp;invest.brussels, een groter aantal zelfstandigen en kleine ondernemingen in Brussel ondersteunen, in het bijzonder zij die weinig zekerheden kunnen bieden aan banken.</em> <em>Dit bewijst ook dat zowel onze inspanningen om onze economische instrumenten te professionaliseren als onze wil om het leven van de Brusselse ondernemingen te vereenvoudigen, vruchten afwerpen </em>&#8220;, benadrukt de staatssecretaris voor Economische Transitie.</p> <p>De uitbreiding van het netwerk van partnerbanken van finance&amp;invest.brussels heeft ook bijgedragen tot het succes van dit initiatief. Sinds 2023 maken BEOBANK en BANK VAN BREDA deel uit van het netwerk en sluiten ze zich aan bij BELFIUS, ING, BNP PARIBAS FORTIS en KBC.</p> <p><em>&#8220;Gezien deze bemoedigende resultaten is onze doelstelling voor 2024 om dit activiteitenniveau te behouden en verder te verhogen, in samenwerking met de banken, ten voordele van de Brusselse ondernemingen. We blijven vastberaden om de Brusselse ondernemingen te ondersteunen en zo bij te dragen tot een dynamisch en veerkrachtig economisch ecosysteem&#8221;, </em>zegt <strong>Ellen Hansen</strong>, Head of Automated products &amp; guarantees.</p> <p>Het garantiemechanisme dat het Brussels Gewest voorstelt via finance&amp;invest.brussels heeft, net als andere gewesten, een aanzienlijke economische impact dankzij het multiplicatoreffect op de overheidsmiddelen.</p> <p><strong>Pierre Hermant</strong> voegt hieraan toe: &#8220;<em>Dankzij het multiplicatoreffect stimuleert het mechanisme van overheidswaarborg de kredietverlening door banken aan lokale ondernemingen. Het optimaliseert het gebruik van overheidsmiddelen door alleen in te grijpen als een onderneming in gebreke blijft en biedt zo een bredere en efficiëntere steun ten gunste van de Brusselse ondernemingen&#8221;</em>.</p> <p>Het is essentieel om de rol van een overheidsgarantie en het multiplicatoreffect ervan te begrijpen: de garantie wordt pas toegekend als een onderneming failliet gaat. Van de 20 miljoen euro aan garanties die in 2023 worden toegekend, zou het Gewest uiteindelijk alleen moeten tussenkomen in geval van toekomstige faillissementen in de komende jaren, d.w.z. ongeveer 15-20% van de 20 miljoen euro aan toegekende garanties (d.w.z. 3-4 miljoen euro). Anderzijds, als de regio deze 3 tot 4 miljoen euro rechtstreeks in verschillende ondernemingen had moeten investeren, zou ze veel minder ondernemingen hebben kunnen ondersteunen dan met de garantie. Dit is het multiplicatoreffect van de garantie. Dit mechanisme moedigt banken aan om meer kredieten te verstrekken aan lokale ondernemingen door een deel van de verstrekte kredieten te garanderen</p> </div> </div> </div> </div> </div> <!-- Content 02 --> <!-- News --> <div class="blogposts"> <div class="section"> <div class="container container--intro"> <div class="mb-xl blogposts__intro"> <h2 class="mt-0 mb-0 title">Ontdek onze andere artikelen in de categorie</h2> </div> </div> <div class="container"> <ul class="mb-xl blogposts__grid"> <li class="blogposts__item blogposts__item--2 "> <a href="https://finance.brussels/nl/de-financiele-sector-pleit-voor-een-betere-toegang-tot-alternatieve-financieringsvormen-voor-ondernemers/" class="blogpost--no-text"> <div class="mb-s blogpost__visu"> <span class="blogpost__img" style="background-image: url('https://finance.brussels/wp-content/uploads/2024/05/14_05_S.jpg');"></span> </div> <div class="blogpost__copy"> <p class="mt-0 mb-xs suptitle blogpost__category">Communiqué</p> <h3 class="mt-0 mb-xs title title--xs blogpost__title">De financiële sector pleit voor een betere toegang tot alternatieve financieringsvormen voor ondernemers</h3> <div>Vandaag heeft de financiële sector in samenwerking met de Minister van Middenstand, Zelfstandigen en KMO&#8217;s een evenement georganiseerd gewijd aan alternatieve financieringsvormen voor ondernemers. Bij deze gelegenheid ondertekende Febelfin samen met verschillende spelers op het vlak van alternatieve financiering, de Belgische Leasingvereniging, de Belgische Beroepsvereniging der Factormaatschappijen, finance&amp;invest.brussels, Hefboom, Microstart, PMV en Wallonie Entreprendre, een [&hellip;]</div> <div class="pagelink-container"> <span class="pagelink">Meer weten</span> </div> </div> </a> </li> <li class="blogposts__item blogposts__item--2 "> <a href="https://finance.brussels/nl/belgie-koopt-23-brusselse-kantoorgebouwen-van-de-europese-commissie-met-het-oog-op-transformatie/" class="blogpost--no-text"> <div class="mb-s blogpost__visu"> <span class="blogpost__img" style="background-image: url('https://finance.brussels/wp-content/uploads/2024/05/30_05_S.png');"></span> </div> <div class="blogpost__copy"> <p class="mt-0 mb-xs suptitle blogpost__category">Persbericht</p> <h3 class="mt-0 mb-xs title title--xs blogpost__title">België koopt 23 Brusselse kantoorgebouwen van de Europese Commissie met het oog op transformatie </h3> <div>30 april 2024 De Belgische overheid koopt via haar investeringsmaatschappij SFPIM een portefeuille van maar liefst 23 kantoorgebouwen van de Europese Commissie. Het Belgische Cityforward, een fonds opgericht door SFPIM en Ethias en beheerd door hun Brussels-Antwerpse partner Whitewood, zal binnenkort 21 van deze gebouwen in de Europese wijk, met een totale oppervlakte van 300.000 [&hellip;]</div> <div class="pagelink-container"> <span class="pagelink">Meer weten</span> </div> </div> </a> </li> </ul> </div> </div> </div> <!-- News detail --> <div class="news-detail"> <div class="news-detail__header"> <div class="news-detail__visu"> <span class="news-detail__img" style="background-image: url('https://finance.brussels/wp-content/uploads/2024/02/Capture-décran-2024-02-19-à-18.20.04.png');"></span> </div> </div> <div class="container"> <div class="news-detail__card"> <div class="news-detail__content"> <a href="#" class="mb-s news-detail__back" onclick="history.back()">Back</a> <div class="news-detail__info"> <p class="suptitle"><span class="news-detail__category">financieringen</span> - 11 March 2024</p> </div> <div class="wysiwyg"> <h1>Van boerderij tot bord, met eFarmz, het &#8216;100% Belgische, 100% biologische&#8217; digitale platform </h1> <hr class="wp-block-separator has-alpha-channel-opacity"/> <p>Le <a href="https://www.finance.brussels/produits/fonds-de-transition-economique/" target="_blank" rel="noreferrer noopener">Fonds de transition économique</a> s’adresse à <strong>toutes les entreprises bruxelloises (Start-up, scale-up, PME) </strong>qui souhaitent réaliser des investissements en lien avec la <strong>transition énergétique</strong>, ce qui inclut l’efficacité énergétique, la transition vers une mobilité propre, les énergies renouvelables, l’économie circulaire, … pour un financement à partir de 80.000€</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <p><strong>Depuis 2013, vous avez totalement changé de carrière pour conquérir le marché de l’e-commerce bio et local. Quelle était la vision initiale pour développer un business model à la fois innovant et porteur de valeurs très en ligne avec les fondamentaux de la transition économique ? </strong></p> <p>Le déclic est arrivé quand ma fille est entrée en maternelle. Après 12 ans passées au sein de multinationales, j’ai ressenti le besoin de faire qqch pour moi et de me consacrer à un projet porteur de sens et en lien avec mes valeurs.</p> <p><strong>En 2013, c’était assez difficile de faire des courses quand on voulait bien manger, surtout pour les gens pressés.</strong> Il y avait encore très peu de bons produits accessibles et quand on voulait bien cuisiner, il fallait prendre le temps d’aller chez un petit boucher, sur les marchés, de rencontrer les petits producteurs. A l’époque, les magasins bio vendaient très peu de produits frais et encore moins de produits belges.</p> <p>Et c’est de là qu’est venue l’idée de développer<strong> une plate-forme en ligne qui permettrait en quelques clics de faire ses courses et d’avoir accès à une large gamme de produits de qualité et d’origine belge.</strong></p> <p><strong>Quelles sont, selon vous, les grandes évolutions et défis qui vont marquer votre secteur d’ici à 2030 ? </strong></p> <p>Depuis que j’ai lancé eFarmz, <strong>il y a eu plusieurs crises alimentaires qui nous ont fait prendre conscience qu’il était temps de manger différemment :</strong> la crise du fibronil sur les œufs, la crise de la viande de cheval, la crise du pain, … Et aujourd’hui, on voit que la dimension environnementale devient aussi de plus en plus importante, car <strong>le secteur alimentaire représente 27% des émissions de CO2.</strong></p> <p>Tout cela nous montre que l’alimentation a besoin d’évoluer vers de nouveaux comportements, avec une <strong>recherche de produits plus locaux, qui ne sont ni suremballés, ni trop transformés, manger un peu moins de viande et composer une assiette plus végétalisée, mais aussi choisir des produits bio pour soutenir des modes de culture plus respectueux de l’environnement.</strong></p> <p><strong>Vous venez de réaliser une nouvelle levée de fonds, quels sont les projets et investissements que vous souhaitez réaliser avec ce nouveau financement ? </strong></p> <p>L’année dernière a été une année plus difficile pour le consommateur, avec la crise économique qui a réduit le pouvoir d’achat. Et de notre côté, <strong>on a fait pas mal de changements</strong>, dont un nouveau site internet. Et pour nous, le projet est d’<strong>investir dans notre croissance</strong>, pour pouvoir toucher plus de consommateurs et continuer à proposer une large gamme de produits de qualité, disponibles en quelques clics. </p> <p><strong>Cela fait plusieurs années que vous collaborez avec finance&amp;invest.brussels, quels sont pour vous les avantages à collaborer avec nous en tant que partenaire financier ?</strong></p> <p>Il y a plusieurs avantages. Moi, ce que j’apprécie chez finance&amp;invest.brussels, c’est la <strong>large palette de solutions pour se financer. </strong>Ca peut être un emprunt, une prise de participation, des prêts mezzanines, et c’est intéressant car on peut trouver <strong>la formule qui s’adapte le mieux à la maturité et aux besoins de l’entreprise.</strong></p> <p>Et ensuite, c’est aussi la possibilité de se financer pour des investissements plus conséquents, avec un partenaire qui peut choisir de soutenir des projets en lesquels il croit, sur <strong>des indicateurs qui vont plus loin que la rentabilité à court-terme, comme la création d’emploi ou l’impact par exemple.</strong></p> <p>C’est donc une relation dans la durée, avec des solutions qui vont évoluer en fonction des différents stades de développement de l’entreprise.</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <p>Vous aussi, vous souhaitez réduire l&#8217;empreinte carbone de votre entreprise? Contactez-nous par email à l&#8217;adresse <strong>info@finance.brussels</strong> en mentionnant le fonds de transition économique dans l’intitulé du message ou <strong>via le bouton « demander un financement »</strong> disponible sur toutes les pages de notre site internet.</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> </div> </div> </div> </div> </div> <!-- Content 02 --> <!-- News --> <div class="blogposts"> <div class="section"> <div class="container container--intro"> <div class="mb-xl blogposts__intro"> <h2 class="mt-0 mb-0 title">Ontdek onze andere artikelen in de categorie</h2> </div> </div> <div class="container"> <ul class="mb-xl blogposts__grid"> <li class="blogposts__item blogposts__item--2 "> <a href="https://finance.brussels/nl/waarborg-plus-interview-urban-dogs/" class="blogpost--no-text"> <div class="mb-s blogpost__visu"> <span class="blogpost__img" style="background-image: url('https://finance.brussels/wp-content/uploads/2024/11/GARANTIE-PLUS_1200x627_NL2.jpg');"></span> </div> <div class="blogpost__copy"> <p class="mt-0 mb-xs suptitle blogpost__category">financieringen</p> <h3 class="mt-0 mb-xs title title--xs blogpost__title">Urban Dogs : &#8220;De bank stelde me Waarborg Plus voor en ik was meteen verkocht!&#8221;</h3> <div>Heeft u een zakelijke lening nodig? 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